Our Expertise
Commercial Mortgages
Commercial mortgages fund the purchase, refinance or development of property used for business or held as an investment.
Overview
What is commercial mortgages?
A commercial mortgage is secured against property that is not a private residence. That may be premises you trade from, a mixed use building, a property held for investment, or a site being developed.
Assessment is led by the numbers behind the property and the borrower. Lenders look at business performance or rental income, the quality of the asset, the experience of the borrower and the proposed exit.
Who might this be suitable for?
- Business owners purchasing their own premises
- Investors buying commercial or mixed use property
- Borrowers refinancing existing commercial debt
- Developers funding a scheme with a defined exit
How Help to Lend can help
- 01We package the case with the financial information commercial lenders expect to see.
- 02We approach lenders whose appetite matches the sector and asset type.
- 03We explain terms, arrangement fees and covenants in plain language.
- 04We manage valuations, legal work and drawdown alongside your professional advisers.
Assessment
What may lenders and providers consider?
Business financials
Accounts, management figures and projections typically form part of the assessment.
Deposit
Commercial deposit requirements are generally higher than residential and vary by sector.
Term and structure
Terms are often shorter than residential mortgages and may be interest only or capital and interest.
Asset quality
Location, tenant covenant, lease length and condition all influence lender appetite.
Criteria vary between providers and can change at any time. Nothing here confirms that a particular lender or insurer will accept an application.
The Process
How we work through it together.
- 01
Understand
We start with a conversation about your circumstances, plans and objectives.
- 02
Assess
We review your position, affordability and mortgage requirements in detail.
- 03
Recommend
We identify suitable mortgage and protection options and explain the reasoning.
- 04
Apply
We prepare and manage the application, liaising with the lender on your behalf.
- 05
Progress
We keep the case moving and keep you informed at every stage.
- 06
Complete
We support you through to completion and remain available afterwards.
FAQs
Frequently asked questions
Related
Related expertise
Speak to an adviser about your circumstances.
We'll explain the options clearly and tell you what to prepare, with no obligation.
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